The money desk
Money
Taxes, bookkeeping, cash flow, and getting paid on time.
Money
The 2026 freelance tax reset, decoded
The One Big Beautiful Bill Act took effect this January. Here is what actually changes for a one person business, and what looks big but is mostly noise.
Theo WhitfieldMay 22, 20267 min read
Money
The ACA subsidy cliff is back. Here is what to do about it.
Enhanced premium tax credits expired at the end of 2025. For self employed earners above 400% of the poverty line, the cost of insurance just doubled or tripled. Here is the practical playbook.
Theo WhitfieldMay 19, 20268 min read
Money
Getting paid on time without becoming the annoying one
Late invoices are mostly a process problem, not a client problem. Here is a calm, repeatable system for collecting on time.
Jules HamptonApril 22, 20266 min read
Money
Quarterly taxes for US freelancers, in plain English
What estimated taxes are, who owes them, when they are due, and how to stop being terrified of the IRS.
Theo WhitfieldApril 14, 20266 min read
Money
The freelance financial buffer: how much cash you actually need
Why three months of expenses is the wrong target for freelancers, and what to aim for instead.
Theo WhitfieldFebruary 10, 20267 min read